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Income Protection Insurance

 
#1 Income Protection Insurance
19/11/2008 10:56

PL

I am looking for information on Income Protection Insurance products, specifically:

covering mortgage payments and other monthly outgoings.

payinng £2500 per month.

Available to Contractors working via their own Ltd Companies.

Taking dividend payments into account for income calculation purposes.

From companies with a reliable history of actually paying out.

Is anybody here aware of companies offering products meeting these specific criteria?

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#2 RE: Income Protection Insurance
19/11/2008 13:58

ZB to PL (#1)

You'd be treated as self-employed for insurance purposes. You can get income protection insurance from most insurers if you are self-employed and have a solid history of work. Try one of the price comparison sites for an initial search.

Income Protection does tend to be expensive if you're self-employed - £500 p.a. to cover every £10k p.a. income. Therefore, you'd be looking at approximately £1,500 p.a. premiums. The price may have gone up in recent months for obvious reasons.

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#3 RE: Income Protection Insurance
19/11/2008 14:28

got shafted to PL (#1)

dont be fooled by the word 'income protection'. This is essentially nothing but short terms and long terms disability insurance. It does not cover the event of you loosing your job thru redundancies.

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#4 RE: Income Protection Insurance
19/11/2008 18:08

anon2 to got shafted (#3)

Thanks for the insight but somehow I don't think redundancy is the biggest risk to income when you're self-employed.

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